Business Insurance in Connecticut
Street Smart is an independent insurance agency that works with a variety of carriers to offer our customers rate and coverage options for their business insurance.
Located in Hamden, we provide business insurance coverage to businesses throughout Connecticut.
We Get It
We're a small business and we get how important it is to feel like you're covered property for all possible exposures to your business. We also understand that businesses are constantly looking for new ways to control expenses and grow. With the right insurance partner, you can ensure you are getting the best possible business insurance package while saving you money, so you can reinvest in what matters most to you - your business!
At Street Smart we know that all businesses are different and we appreciate the fact that they must be treated that way. While our carriers do offer us packaged options for business insurance, we always ask our customers the questions we need answers to in order to ensure we are including all necessary coverages to your policy.
What can we Help You with?
The term Business Insurance is a pretty broad category, but here are a few of the categories we can offer you coverage in:
- Business Owners Policy "BOP"
- Commercial Property & Umbrella
- Worker's Compensation
- Business Auto
- General Liability
- Surety Bonds
- Builder's Risk
- Inland Marine
We work with businesses of all sizes - from self employed individuals who work out of their house to small and medium size businesses in Connecticut. We work with businesses who are veterans and new businesses as well. Our experienced staff know what questions to ask you about your business to ensure your existing policy has all of the coverages you need or if we're working with a new business, ensure we build a policy to fit your individual needs.
When it comes to Business Insurance, experience is key and our licensed staff has years of experience writing business insurance in Connecticut. We currently have five staff members on our team who are licensed to write business insurance who are ready to help!
What Business Insurance Covers
While we can't possibly explain all of the available coverages in all of the industries, we can give you a basic understanding of what you need to insure in your business:
Do you Own a Business? The answer to this question may be obvious, but we asked it because almost all businesses need General Liability Insurance coverage from general business claims involving bodily injury and property damage.
Do You Have Employees? If the answer is "yes" you need Worker's Compensation coverage which would provide medical and wage benefits if an employee becomes injured or sick from work.
Do You Own Property? You need Commercial Property Insurance to ensure your facilities and the equipment in them are insured. If you have expensive equipment, you may need an Inland Marine policy to ensure these specific items are insured as well.
Do You and Your Family Rely on your Business Income? You need Utility and Business Interruption coverage, which can pay for lost income if you are forced to close or temporarily cease operations, help with continuing expenses during a shutdown and even pay for relocation expenses if necessary.
These are only a few of the many benefits from being properly covered. In the business world, there are so many variables that can affect your business. Ensure you have the right insurance coverages to help protect yourself against some of these variables. Business owners love to be in control, having the right Business Insurance can put you in the driver's seat.
We thought business auto was worth highlighting because we often find that many of our customers don't even realize they need Business Auto coverage. Here are a few instances where you may need additional coverage:
- If you use rented or non-owned autos in the course of your business
- If you use your personal vehicle for business use
As a business, you need to insure the vehicles you own, but also any vehicles that you may rent or that your employees may own. This is called Auto/Non-owned Auto Liability Coverage. You may not need to insure the vehicles themselves as your business doesn't own them, but because you are using these vehicles in the course of your business, you assume the liability associated with their use and therefore need to ensure you are covered.
We are seeing more and more individuals who are involved in a "side job" either delivering for businesses or providing transportation services like Uber or Lyft. Call a Street Smart representative to ensure you are covered, as any transportation that is provided in the course of doing business needs to be insured properly. A personal auto policy will not cover an individual if an incident occurred while doing business.
Business Insurance is Complicated - Let Us Help You Today!
We know you're busy, so let us ensure the insurance process fits into your schedule. If you need to speak to us after hours, just ask! If you want us to come to you, great - we love visiting our customer in their businesses, it only helps us understand your business more.
Ask us about an Umbrella
Just like a Personal Umbrella Policy offers you additional liability insurance, a Commercial Umbrella can offer your business a greater safety net for liability assumed by your business.
Click to get a quick quote or call us at 888-800-7133 to get started.
Located in Hamden, we provide insurance coverage to individuals, families and businesses in New Haven, Cheshire, Milford, Wallingford, North Haven and throughout the Connecticut shoreline.